Thanks White Clay for the discussion with b1BANK at @BankDirector on profitability. Loved the comparison of loan pricing and a great golf swing right down the middle. Loan pricing takes consistency & discipline, but you got to how to work it if something goes wrong. @bakerhill

At the @BankDirector #SmallBusiness session some key takeaways for banks (1) Intentionally design for the #SmallBiz (2) Educate (3) Leverage the #DataAnalytics you have on the consumer that is actually a biz. @bakerhill

“When a small biz owner wakes up, they don’t think of your bank. They think about the pains they have & how those can be solved. It is not about your products, but how you can solve their problems.” - @Mastercard Ginger Siegel at @BankDirector #SmallBiz session. @bakerhill

Parting thoughts from @KBWfinthink Tom Michaud (1) mid tier regional banks will be the battle ground (and I believe that it will pull up some of the community banks and (2) #SmallBiz is the place to be. Exciting news for many @bakerhill clients as they look to grow.

Excited to hear @KBWfinthink’s Tom Michaud call out that there are finally “tail winds” for the banking industry the @BankDirector #AOBA conference! #LetsGo @bakerhill @AmerBanker @PhilFedResearch

Love the phrase “sleepy savers” that @CDValet is using when you think about how 25% of CDs are at the top 4 banks that always offer the lowest rate. How is your #bank drawing in those #sleepysavers & help them while helping w/ your #costoffunds and #profitabilty @Fin_X_Tech

Lastly @DepositCo brings sticky relationship deposits to a bank so it’s not just rate shopping and churn it is staying with the bank to get the long term deposits. @bakerhill @Fin_X_Tech @BankDirector @AmerBanker #fintech

The next value prop is from @CDValet and there are amazing ability to promote the best rates versus #paytoplay providers like Google and others. Working with #cd valet the #communitybank gets their voice out over other banks. @bakerhill @Fin_X_Tech

Three unique value props on #deposits at @Fin_X_Tech #fxt24 First from @hifinotta it is all about what is the next best product for the consumer and what product is going to drive profitability. You have to have a strong digital footprint to retain w/ badges, etc to know & serve

Love how the pendulum is back on #deposits and looking forward to the @Fin_X_Tech panel with @hifinotta, @CDValet and @DepositCo showing the value of the entire deposit growth process. @bakerhill @BankDirector

Most importantly you have to ask who is consuming liquidity and capital and are we being paid a return? If the decision is not based with #profitability then what are you basing them  on is the questions from White Clay at @BankDirector’s @Fin_X_Tech.  #banking  @bakerhill

The #lending side bankers need to be asking: Are the client's loans & lines priced and sized appropriately for the relationship and their risk profile? Do we have Business Clients' personal accounts? So is it transactional or a relationship from the business side.  @bakerhill

From White Clay at @Fin_X_Tech Questions every banker should be asking for profitable #banking from the deposit side: Do we have the client's primary transacting accounts & the deposit, wealth, and investment balances?

Love how @LemonadeLXP is showing how easy it is to introduce new #digital channels to customers and employees with #gaming, #ai, #bots oh my and how an FI can roll out #fintech faster, better, and cheaper. Congrats to @OneNevada on some great results. @bakerhill

How is your #bank or #creditunion dealing w/ #ghostcustomers? At @Fin_X_Tech @apiture is showing how #data insights can help turn them into real ROI making customers. Great article by @JimMarous of @FinancialBrand on the topic https://t.co/Rb8D4y1yaN @bakerhill @BankDirector

So far a lot of chatter at @Fin_X_Tech has been around humanizing & personalizing the #UX with #digital differentiation. Great presentation by @e_bank_it and how they leverage other #FinTech like @AgentIQ_ , @mX, and @hifinotta to accomplish just that. @bakerhill @BankDirector

Cool to see @RSMUSLLP taking on #ai guidance and policy making for banks and announcing this at @indianabankers MEGA. @bakerhill #fintech #ArtificialIntelligence

Really exciting to see the stickiness that @NeuralPayments can create for the banks in working with the likes of @Venmo, @Zelle, @coinbase and others during the #fintech pitches at @indianabankers Mega. @bakerhill #payments

For sure I am stopping by the @klarivis booth after their pitch to learn more about their new profitability functionality that was discussed at @indianabankers #fintech sessions. @bakerhill #banktech

Love the value props that @IntraFi pitched at @indianabankers with building larger #deposit relationships, managing #liquidity, and gaining access for assets sales. Banks should absolutely have this be a part of their fund management in addition to the @FHLBankIndy @bakerhill